This is the privacy policy statement for Life Insurance Specialists and Clark Family Pty Ltd in relation to this website.
We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose and protect your personal information when you use our website and related services.
Information We Collect and How It is Used
To process your financial services referral request, Life Insurance Specialists may collect your name, phone number, email address, postcode and other details relevant to the type of service you are requesting.
This information is used to facilitate your referral to a participating third-party broker, lender, insurer or other provider. Life Insurance Specialists, on behalf of Clark Family Pty Ltd, will ordinarily provide your enquiry to a participating provider selected through our referral network so that they can contact you directly and provide the services you have requested.
We may also disclose information where reasonably necessary to administer your referral, respond to your enquiry, meet our legal or regulatory obligations, investigate a complaint, or manage the operation and compliance of our referral service.
We may also receive information from participating brokers, lenders, insurers or other providers about the progress or outcome of an enquiry, application or referral, including through secure electronic systems or APIs. We may use this information for purposes connected with administering the referral, customer service, quality assurance, record keeping, remuneration or referral reconciliation, complaint handling, and compliance or regulatory reporting.
If you do not provide the personal information we request, we may not be able to assist you with your referral or process your enquiry.
Disclosure of Personal Information
We may disclose your personal information to participating brokers, lenders, insurers or other providers where necessary to facilitate the referral or service you have requested. We may also disclose personal information where reasonably necessary to administer our referral service, respond to an enquiry or complaint, comply with legal or regulatory obligations, or engage service providers that assist us in operating our business.
Participating providers are required to handle personal information provided through our referral service in accordance with applicable privacy laws and the requirements governing their participation in our referral network.
We do not currently disclose personal information to overseas recipients. If our information-handling practices change and personal information is likely to be disclosed to recipients outside Australia, we will update this Privacy Policy as required.
Please note: Once you are referred to a third-party broker, lender, insurer or other provider, that provider's own privacy policy and terms will apply to information you subsequently provide directly to them.
Cookies and Tracking Technologies
Life Insurance Specialists uses cookies and similar technologies to support website functionality, maintain session information, understand how visitors interact with our website and improve system performance and user experience.
We may also use third-party analytics, advertising or measurement services that use cookies, pixels or similar technologies. Depending on the technology used, these services may collect information about your device, browser, pages visited and interactions with our website.
Where these technologies involve the collection, use or disclosure of personal information, we take reasonable steps to ensure that they are used consistently with applicable privacy requirements. We seek to limit the information collected to what is reasonably necessary for the relevant purpose.
You can control or disable cookies through your browser settings. Where additional consent is required for particular tracking or advertising technologies, we may provide additional notices or consent controls when you use the website.
Security and Retention of Personal Information
We take reasonable steps to protect personal information we hold from misuse, interference, loss, unauthorised access, modification and disclosure. These measures may include access controls, secure systems, authentication measures and other technical and organisational safeguards appropriate to the information being handled.
We retain personal information for as long as reasonably necessary for the purposes for which it was collected, including administering referrals, responding to enquiries, maintaining appropriate business and compliance records, resolving complaints and meeting legal or regulatory obligations.
When personal information is no longer required to be retained, we take reasonable steps to securely destroy or de-identify it, subject to any legal or record-keeping requirements.
Access and Correction of Personal Information
You may request access to the personal information we hold about you at any time. We will not charge any fee for making a request but may charge you reasonable costs incurred in providing access, such as photocopying or postage.
You may also request correction of your personal information if you believe it is inaccurate, out of date, incomplete or misleading. We will respond to access and correction requests within a reasonable timeframe.
To make a request, please contact us. We may ask you to submit your request in writing or provide information necessary to verify your identity before providing access to personal information.
Complaints and Dispute Resolution
If you have any concerns about how your personal information has been handled, please contact us so that we can investigate and resolve your concern promptly.
If you are not satisfied with our response, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC):
We regularly review and update our privacy policy to ensure ongoing compliance with applicable laws and best practices. Updates will be published on this page with the latest revision date.
Contact Us
If you have any questions about this privacy statement, how we handle your information, or your dealings with this website, please contact us.
The Financial Services Council’s continuing work on the Life Insurance Code of Practice is now less about consultation and more about how reforms will be embedded in everyday customer experience. For Australian households, that matters because the Code influences how insurers explain policies, assess applications, support vulnerable customers and manage claims during some of life’s most difficult moments. - read more
The latest APRA life insurance performance statistics suggest Australia’s life insurance sector remains on firmer ground than during the more volatile years of pandemic disruption, elevated claims pressure and rapid premium repricing. For policyholders, that is broadly positive. A stable insurer is better placed to pay claims, invest in service improvements and maintain confidence in long-term protection products. - read more
Australians considering life insurance are set to receive stronger protection around the use of predictive genetic test results, in a reform designed to reduce one of the more difficult barriers to seeking cover. The change is aimed at stopping life insurers from declining applications, loading premiums or applying exclusions solely because an applicant has an adverse predictive genetic test result. - read more
Fresh oversight of Australia’s life insurance sector has again drawn attention to a practical issue many households only discover at the worst possible time: the strength of a policy is not measured by the benefit amount alone, but by how clearly and fairly the insurer communicates when a claim, complaint or policy change arises. - read more
Life insurance is a contract between you and an insurer that promises to pay a designated beneficiary a sum of money upon your passing. It serves as a safety net, ensuring that your loved ones are financially secure even after you are no longer around to provide for them. - read more
Imagine this: you’re a young professional establishing your career, managing student loans, and possibly even thinking about buying a home. Amidst all these financial responsibilities, life insurance may seem like something to worry about much later. However, even at a young age, securing life insurance can be a vital step towards protecting your financial future. - read more
Picture this: You and your family have just moved into your dream home. It’s a space filled with hope and countless plans for the future. But, amidst the excitement of homeownership, have you paused to consider the 'what ifs'? Unforeseen circumstances can threaten the security of your family's biggest asset—their home. - read more
Life insurance might not be the first thing on your to-do list as a young family, but it plays a crucial role in safeguarding your future. By understanding the importance of life insurance, you can make informed financial decisions that benefit your loved ones in the long run. - read more
Knowledgebase
Copayment: A fixed amount you pay for a covered healthcare service, usually when you receive the service.
